Product Manager - Payments (PM)

As a Product Manager at Kody, you’ll be responsible for shaping, executing, and refining our product vision in detail across various product streams in the payments, finance, and loyalty ecosystem. Reporting directly to the EVP, you will work closely with engineering, customer success, and commercial teams to ensure that every facet of the product delivers maximum value to our customers. This role demands a proactive, detail-oriented, technically-minded product leader who thrives in the minutiae and is eager to dig into each detail. You’ll champion the product from ideation to release, wearing both a technical and commercial hat, making strategic decisions to push Kody’s product suite forward. The ideal candidate will thrive working in a chaotic and complex environment and will not rely on internal documentation, most of which is out of date before it's finished being written. This is not a traditional Product Manager role where you spend time paper-pushing or writing endless specifications. Kody management assesses all product work-streams daily. This is a role for those who thrive on making multiple decisions per day independently and making meaningful progress on a daily basis. Success will be measured on your ability to own every detail of a product, including why we're doing it, why it's prioritized as it is, its specification, and keeping all stakeholders engaged with your plan. This is a senior role with real responsibility. There’s a lot of work to be done! We want you to select the activities that will have the maximum impact on commercial outcomes and focus on them. About the team You'll be teaming up closely with our CEO, Head of Product Design, and CTO, who are all busy shaping our product work streams. Get ready to jump into an exciting agile setup, where you'll play a vital role in everything Kody, from payments and banking to loyalty, onboarding, and retention. Responsibilities Product Ownership: Lead a comprehensive product stream, taking ownership of every product detail within that stream. From conception through execution, you’ll handle multiple products within a stream, ensuring each aligns with our business goals and meets customer needs. Legal & Compliance: Own and maintain supplier contracts, merchant Terms & Conditions, and pricing agreements. Review, draft, and suggest amendments to contracts before engaging legal counsel, ensuring alignment with Kody’s risk and business objectives. Work with legal counsel to structure commercial agreements, update terms, and ensure regulatory compliance. Technical Expertise: Partner closely with engineering; having coded or worked directly with code before, you’ll act as a bridge between technical and non-technical teams, providing clarity on requirements and ensuring feasible and valuable product outcomes. Customer Collaboration: Engage actively with customers (SMEs and enterprise) to understand their needs and pain points, translating these insights into impactful product improvements and ensuring a user-focused experience. This means regularly visiting, speaking with, and developing relationships with customers. Communication & Commercial Insight: Collaborate with stakeholders across Kody to align product decisions with commercial goals, ensuring a seamless connection between product design, development, and sales. Launch Management: Spearhead product rollouts with a hands-on approach, including detailed coordination of launch activities, documentation, training materials, and post-launch analysis. Data-Driven Improvements: Use analytics to guide decisions, track performance, and continuously improve our product offerings, focusing on enterprise-grade results and responsiveness. Requirements 5+ years of relevant experience, spanning product management, engineering, and legal Experience drafting, reviewing, and managing contracts and Terms & Conditions. Ability to understand payment models, pricing structures, and legal risk. Knowledge of compliance and regulatory requirements in FinTech/payments. Experience working with external legal counsel or compliance teams. Experience working in engineering or with a team of engineers A drive to be on top of every tiniest detail, whilst simultaneously knowing which can wait for the next release. Experience in payments, FinTech or loyalty. Strong experience working with SME and/or Enterprise customers, managing relationships, etc. Strong written and spoken communication skills in English and Cantonese Adaptability in a fast-paced, rapid-change, collaborative environment. Ability to work autonomously and seek help when needed. A passion for products and a hunger for learning and growth. Nice to have: Experience in contract automation, legal tech, or compliance tooling. Skills in data analytics. Interest in emerging technologies. Benefits Employee Share Ownership Plan (ESOP). Hybrid working: our office in Causeway Bay is a hybrid setup. Engineers are remote-first (although they come in for regular working sessions). Product and Customer Operations team are Hybrid or office-based. Annual learning and development allowance. Home office “get-comfy-budget”. Competitive annual leave. Enhanced parental leave.